Best Business Travel Credit Cards for Rewards

Best Business Travel Credit Cards for Rewards

Business travel can be costly, but using the right credit card can help you maximize rewards, earn valuable points, and enjoy exclusive benefits. Choosing the best business travel credit card for your needs can turn travel expenses into significant perks. Here’s a guide to some of the best business travel credit cards for rewards in 2024, highlighting their key features, benefits, and ideal user profiles.

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1. American Express® Business Platinum Card

Overview

The American Express® Business Platinum Card is renowned for its premium travel benefits and extensive rewards program. It’s designed for frequent business travelers who value luxury and high-end services.

Key Features

  • Welcome Offer: Earn 120,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first 3 months.
  • Rewards: Earn 5x Membership Rewards® points on flights and prepaid hotels booked through amextravel.com, and 1x point on other eligible purchases.
  • Travel Credits: Up to $200 airline fee credit annually, and up to $179 Clear membership credit.
  • Airport Lounge Access: Complimentary access to over 1,300 airport lounges worldwide, including The Centurion Lounge and Priority Pass Select.
  • Hotel Benefits: Fine Hotels & Resorts program offers complimentary benefits like daily breakfast, room upgrades, and late checkout.
  • Additional Benefits: Global Entry or TSA PreCheck fee credit, and 35% points back when you use points to book flights with your selected airline or through Amex Travel.

Ideal For

Business travelers who frequently fly and stay in luxury accommodations, and those who can leverage the extensive travel credits and lounge access.

Annual Fee

$695 (as of 2024)

2. Chase Ink Business Preferred® Credit Card

Overview

The Chase Ink Business Preferred® Credit Card offers robust rewards on travel and business-related expenses, making it a versatile choice for many business travelers.

Key Features

  • Welcome Offer: Earn 100,000 bonus points after spending $15,000 on purchases in the first 3 months.
  • Rewards: Earn 3x points on the first $150,000 spent on travel, shipping purchases, internet, cable, and phone services, and advertising purchases made with social media sites and search engines each account anniversary year. Earn 1x point on all other purchases.
  • Redemption: Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®.
  • Travel and Purchase Protection: Includes trip cancellation/interruption insurance, primary car rental insurance, and purchase protection.
  • No Foreign Transaction Fees: Saves money on international purchases.

Ideal For

Small to medium-sized business owners who spend heavily in the bonus categories and prefer a flexible, high-rewards card without a high annual fee.

Annual Fee

$95

3. Capital One Spark Miles for Business

Overview

The Capital One Spark Miles for Business is a straightforward, flat-rate rewards card that offers unlimited earning potential and valuable travel perks.

Key Features

  • Welcome Offer: Earn 50,000 miles after spending $4,500 on purchases within the first 3 months.
  • Rewards: Earn unlimited 2x miles per dollar on every purchase, without caps or category restrictions.
  • Transfer Partners: Transfer miles to over 15 travel loyalty programs.
  • Travel Benefits: Up to $100 credit for Global Entry or TSA PreCheck.
  • No Foreign Transaction Fees: Ideal for international business travel.

Ideal For

Business travelers looking for a simple, straightforward rewards program with consistent earning potential and valuable travel perks.

Annual Fee

$0 intro for the first year, then $95

4. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Overview

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is tailored for those who frequently fly with American Airlines, offering significant benefits and rewards.

Key Features

  • Welcome Offer: Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months.
  • Rewards: Earn 2x miles per $1 spent on American Airlines purchases, telecommunications, cable and satellite providers, car rental merchants, and gas stations. Earn 1x mile on other purchases.
  • Travel Benefits: First checked bag free on domestic American Airlines flights, preferred boarding on American Airlines flights, and 25% savings on in-flight food and beverages.
  • Travel Perks: No foreign transaction fees and access to American Airlines Reduced Mileage Awards.

Ideal For

Frequent flyers of American Airlines who can take advantage of the airline-specific perks and benefits.

Annual Fee

$99 (waived for the first year)

5. The Business Platinum Card® from American Express

Overview

The Business Platinum Card® from American Express is another top-tier card that offers extensive travel benefits and high rewards rates, particularly for those who travel frequently for business.

Key Features

  • Welcome Offer: Earn 120,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first 3 months.
  • Rewards: Earn 5x Membership Rewards® points on flights and prepaid hotels booked through amextravel.com, 1.5x points on eligible purchases in key business categories and on purchases of $5,000 or more, and 1x point on other purchases.
  • Travel Credits: Up to $200 airline fee credit annually, up to $100 credit for Global Entry or TSA PreCheck, and $179 CLEAR® membership credit.
  • Airport Lounge Access: Access to the Global Lounge Collection, including Centurion Lounges, Priority Pass Select, Delta Sky Clubs, and more.
  • Hotel Benefits: Benefits through Fine Hotels & Resorts® and The Hotel Collection, including room upgrades, daily breakfast for two, and late check-out.
  • Additional Benefits: Complimentary Hilton Honors Gold Status and Marriott Bonvoy Gold Elite Status.

Ideal For

High-spending business travelers who prioritize luxury travel experiences and can take full advantage of the extensive travel credits and perks.

Annual Fee

$695

Conclusion

Choosing the best business travel credit card depends on your specific travel habits, spending patterns, and the types of rewards and benefits you value most. Whether you prioritize luxury perks, flexible rewards, or airline-specific benefits, there’s a card that can enhance your business travel experience and help you maximize your rewards. Consider your travel frequency, preferred airlines, and typical business expenses when selecting the card that best suits your needs.

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